Business Loan Repayment Calculator

Secured business loans require collateral (property, equipment, or inventory) and typically offer lower interest rates. Unsecured loans do not require collateral but have higher rates and stricter eligibility criteria. Most Australian lenders offer both options depending on your business profile and borrowing amount.

During an interest-only period (typically 1–5 years), you only pay the interest on the loan without reducing the principal. This lowers your monthly repayment but means you do not build equity in the asset. When the interest-only period ends, repayments increase as principal repayments begin. Interest-only loans are common for commercial property and asset finance.

There is no single business-loan rate. Pricing varies with security, product type, term, business cash flow and credit profile. The RBA reported a 7.05% average for new small-business lending in June 2026 across fixed and variable loans, but an individual quote can be materially higher or lower. Enter the lender's quoted rate and all fees.